Fidelity’s eMoney Advisor on Wednesday announced the launch of eMoney CoPlanner, a new feature that it said allows financial advisors to create financial plans for their clients in seconds while maintaining control over each recommendation made. The tool assesses a client’s assets, income, retirement timing, spending and tax considerations.
Over 2,000 eMoney clients have been able to access CoPlanner as part of beta testing that started in March 2025 and is still active, a company spokesperson told WSR.
Results from a beta group study showed that CoPlanner reduced up to 48% of plan-building time based on complexity, according to eMoney. Study participants were also less likely to build plans that impaired client goals such as lifestyle spend or retirement age, eMoney said.
“One of the biggest changes” between “v1,” the initial version made available during the beta test, and the version that will become available for use in all eMoney planning packages on March 25 was that, “in v1, CoPlanner was generating the plans but only showing the techniques that were suggested,” Chad Porche, Senior Vice President of Product at eMoney, told WSR by email.
“As a result, advisors didn’t know which techniques weren’t relevant or had already been dismissed and spent considerable time evaluating them manually. So, we built in a way to see the full inventory of things that were considered.”
He added, “We also added text into the techniques to explain in plain language to the advisor why each recommendation is relevant.”
According to eMoney, building a financial plan manually takes several hours of analysis and iteration, but CoPlanner evaluates relevant client data and provides personalized planning actions in seconds.
Advisors using CoPlanner can set variables and guardrails as it evaluates, and review, modify or dismiss recommendations before they are applied.
“Planning drives growth, but the process can be time intensive,” Porche said in the news release. “CoPlanner compresses the analysis into seconds. Advisors remain in control of every input, every assumption, and every decision — from generation through final plan delivery.”
The firm said, “Results are transparent and consistent, ensuring full reporting visibility and auditability once recommendations are saved.”
CoPlanner was first announced as part of eMoney’s product roadmap presentation at the eMoney Summit in October.
Connor Sung, Director of eMoney’s Financial Planning Group, is presenting CoPlanner on Wednesday at the T3 Technology Conference in New Orleans.
The firm plans updates after the general release including technique-specific reports and client-ready presentations.
More than 138,000 financial professionals use the eMoney platform, it said.
Jeff Berman, Contributing Editor and Reporter at Wealth Solutions Report, can be reached at jeff.berman@wealthsolutionsreport.com.
